Search found 3494 matches

by rustymutt
Fri Apr 21, 2017 2:03 pm
Forum: Personal Consumer Issues
Topic: Strange cable wall jack in home. What is it? (pics included)
Replies: 18
Views: 3387

Re: Strange cable wall jack in home. What is it? (pics included)

It appears to be some sort of antenna. Perhaps a short wave radio system in place at one time. So they could listen into hockey games back home in the USSR. lol Looks like surge protection, without a ground run to it. Or maybe a whole house paging system. A impedance device.
by rustymutt
Thu Apr 20, 2017 11:54 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe says "Goodby."
Replies: 319
Views: 31510

Re: Larry Swedroe says "Goodby."

Larry is one of the good guys. Goodby Larry, and good luck with your family duties. Thank you Larry for all your free wonderful wisdom and insight for those of us otherwise blind to numbers. Best wishes! :sharebeer
by rustymutt
Mon Apr 17, 2017 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 5955

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Ignore all the investment porn slashing around out here. LOL Learn for yourself, and you'll understand how investing works. A low cost fund that is balanced with bonds, and equities.
by rustymutt
Mon Apr 17, 2017 10:23 am
Forum: Investing - Help with Personal Investments
Topic: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?
Replies: 86
Views: 5955

Re: My Story so far. Totally confused! Vanguard, Charles Schwab, Merrill Edge. Managing own portfolio... or NOT?

Find a balanced fund at Vanguard, or Fidelity that in that 75/25 range and place inside that fund, or ETF. I use VBIAX which is 60/40. Keeps your cost low and that does it. Cost is ER without any front end loads.
by rustymutt
Mon Apr 17, 2017 10:17 am
Forum: Personal Consumer Issues
Topic: New HVAC - Assessing Quotes? - Update, New Info
Replies: 37
Views: 2867

Re: New HVAC - Assessing Quotes?

Kind of surprising to me that 80% efficiency furnaces would be allowed in an "environmentally friendly" area. My most recent furnace replacement was a 3.5T single stage 95% Trane unit for something like $3500 about 6 years ago. I was think the same thing. 80% technology is old stuff. Not ...
by rustymutt
Tue Apr 04, 2017 8:38 am
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 4138

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

It would be fascinating to understand what is at the root of this stumble in customer service. Was it caused when they began "upgrading" accounts to brokerage accounts? Is the trading volume for ETFs and the attendant questions/phone calls too much to handle? Are the full-service brokerag...
by rustymutt
Sun Apr 02, 2017 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Best Bond Suggestion (rising inflation): VG Advisor or Merriman?
Replies: 24
Views: 1216

Re: Best Bond Suggestion (rising inflation): VG Advisor or Merriman?

7% holding with long bonds is to much risk for me. Interest rates, like inflation is going up. I don't time markets, but if I did, my guess would be higher interest rates driving down bonds with longer durations, while paying out higher returns. So when that happens, long money, drops in par value. ...
by rustymutt
Sun Apr 02, 2017 4:17 pm
Forum: Investing - Theory, News & General
Topic: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash
Replies: 33
Views: 4138

Re: Article--Vanguard's customer service takes a hit as it receives epic inflows of cash

Yes, I've experienced the delays, and waiting with automated attendants. But they are very well behaved auto attendants. In time they'll catch up to demand they've created, but weren't ready for I spose. And when I'm patient, they have come through.

:sharebeer
by rustymutt
Tue Mar 14, 2017 7:55 am
Forum: Personal Finance (Not Investing)
Topic: Finding The "Sweet Spot" on a Roth Conversion
Replies: 26
Views: 2699

Re: Finding The "Sweet Spot" on a Roth Conversion

This doesn't have to be a trial and error exercise. Load up a spreadsheet with all your income and exemptions/deductions. That'll show you your taxable income. Then, subtract your taxable income from the top of the 15% bracket to determine how much you can convert. Or, how much you need to re-chara...
by rustymutt
Sat Mar 11, 2017 9:18 am
Forum: Investing - Help with Personal Investments
Topic: 28yo, New Millionaire, Advice on Wealth Management
Replies: 64
Views: 6763

Re: 28yo, New Millionaire, Advice on Wealth Management

Seaside, I decided to manage my own wealth, and it's not at all hard once you find out the truth about investing, and learn to ignore the noise that's everywhere. It's actually very boring, but also extremely essential for my peace of mind. I slice and dice different pieces of funds, and ETFs. With ...
by rustymutt
Sat Mar 04, 2017 8:27 am
Forum: Personal Consumer Issues
Topic: Giving my lawn the TLC it needs
Replies: 69
Views: 3668

Re: Giving my lawn the TLC it needs

Not sure what kind of grass you have, but I'm guessing fescue grass. I don't like the commercial guys mowing my bermudagrass, because they bring into my yard weed seeds from the other yards they mow. They won't clean off mowers between that great yard, and bad ones. I also don't use the high nitroge...
by rustymutt
Tue Feb 14, 2017 1:13 pm
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 4523

Re: Insane Bloodwork Cost (Quest Diagnostic)

The cost is not surprising, especially if she ran initial and not just maintenance tests, but you should be able to negotiate it down, that's what the insurance companies do. It's a racket. My recent thyroid (maintenance) tests: TSH $146 Insurance allowed and covered $48.05 T4 $146 Insurance allowe...
by rustymutt
Tue Feb 14, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Insane Bloodwork Cost (Quest Diagnostic)
Replies: 51
Views: 4523

Re: Insane Bloodwork Cost (Quest Diagnostic)

Many times in the past the doctor I was using was network, but the lab they sent the blood samples to wasn't. I decided that must be left up to me to call in advance, to make sure they are in network. Sure could be made lots simpler.
by rustymutt
Wed Jan 11, 2017 7:29 am
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2958

Re: Anyone else having trouble with unrequested CVS auto-refills?

I suddenly started getting phone-stalked by CVS asking me for refills, auto-refills, calling my doctor for refills, you name it. I thought it was just me, but I see they have a problem. I'll try to cancel my auto-fill service. I find it confusing when prescriptions magically appear for no reason. I...
by rustymutt
Wed Jan 11, 2017 7:27 am
Forum: Local Chapters and Bogleheads Community
Topic: Sad News About a Respected Forum Member
Replies: 118
Views: 19652

Re: Sad News About a Respected Forum Member

Lost both my father, and grandad to leukemia. My heart goes out to his family and friends.
by rustymutt
Wed Jan 11, 2017 7:20 am
Forum: Investing - Help with Personal Investments
Topic: How to politely fire my financial advisor
Replies: 66
Views: 7043

Re: How to politely fire my financial advisor

Don't use the word fired. You don't owe them a thing. Make this as easy on yourself as you can.
I'm my own financial advisor, and had to even threaten to fire myself, if I don't stick to my IPO.
Just take what's yours, and leave.
by rustymutt
Tue Jan 10, 2017 5:08 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2958

Re: Anyone else having trouble with unrequested CVS auto-refills?

Pajamas wrote:Change the phone number they have on file for you to the CVS corporate number, 1-401-765-1500.



Brillant !
by rustymutt
Tue Jan 10, 2017 4:53 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2958

Re: Anyone else having trouble with unrequested CVS auto-refills?

It's giving me higher blood pressure readings. Thanks CVS! LOL
by rustymutt
Tue Jan 10, 2017 1:22 pm
Forum: Personal Consumer Issues
Topic: Anyone else having trouble with unrequested CVS auto-refills?
Replies: 55
Views: 2958

Re: Anyone else having trouble with unrequested CVS auto-refills?

Yes, and I've ask them 3 times to stop it. Must be an automatic thing. Last time I threatened to go to Walgreens, and haven't gotten one yet.
Not crazy about CVS. Long wait times in the store for pickup.
by rustymutt
Tue Jan 10, 2017 10:31 am
Forum: Investing - Theory, News & General
Topic: Kiplinger Vanguard article
Replies: 4
Views: 741

Re: Kiplinger Vanguard article

There is nothing here substantially different from the Boglehead 3-fund portfolio with glide path. If anything, the latter portfolio's similar allocation in Admiral shares has a ~2bp lower overall expense ratio (50% VTSAX, 25% VTIAX, 25% VBTLX). Off subject here. How's that weather in sunny souther...
by rustymutt
Tue Jan 10, 2017 10:27 am
Forum: Personal Finance (Not Investing)
Topic: Daring to figure it out for myself: Dare I retire this year?
Replies: 27
Views: 5461

Re: Daring to figure it out for myself: Dare I retire this year?

I say go for it. If that's really what you want. I retired early at 53. Never looked back. Do what ever you want to do with your life. You are getting your life back, and that should be a positive for anyone who ever enjoyed having a life of their own.

:moneybag
by rustymutt
Tue Jan 10, 2017 10:21 am
Forum: Investing - Theory, News & General
Topic: Kiplinger Vanguard article
Replies: 4
Views: 741

Re: Kiplinger Vanguard article

It's just another of someones picks. I happen to hold a few of his suggestions, as they are indexes with very low fees.
His might do well over time, or it might not. It all depends on changing factors. I do agree with the Kipper, buy and hold works best. :sharebeer
by rustymutt
Tue Jan 10, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: Fidelity cuts index fund fees (but returns are lower).
Replies: 47
Views: 5524

Re: Fidelity cuts index fund fees (but returns are lower).

This is inline with what I found when I retired, Fidelity held my 401k, and based on the same finding then, I switched to Vanguard, and havent' ever regretted it. And Vanguard had better choices for funds, and ETFs at that time anyway. :sharebeer
by rustymutt
Mon Jan 09, 2017 10:49 am
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 4420

Re: Over what time period should stocks NOT lose money

Hello, While there are no certainties, bogleheads clearly believe that over time, staying invested is a prudent investment. Time is your friend. If forced to answer "over what time period will stocks NOT lose money....in real terms, what would you say?". If forced to give an answer on thi...
by rustymutt
Mon Jan 09, 2017 9:17 am
Forum: Personal Finance (Not Investing)
Topic: Relocation to the Dallas, TX Area
Replies: 32
Views: 3143

Re: Relocation to the Dallas, TX Area

ny_rn wrote:Look at Little Elm, TX. It's approximately 15-min. away from Plano, TX with excellent homes.



But that puts near Lewisville lake, and he might not enjoy bass fishing, and skiing. I agree it's a great area to bed down in. Close to the airport also.
by rustymutt
Mon Jan 09, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Over what time period should stocks NOT lose money
Replies: 50
Views: 4420

Re: Over what time period should stocks NOT lose money

You should be ready to loose money anytime you're in the markets. There is a right and wrong way to invest. Slow DCA into a plan or investment, or lump sum in, you've got to be in the market, to get market returns, and yet there is academic proof that based on when you get into a plan, or timing tha...
by rustymutt
Sat Jan 07, 2017 9:53 am
Forum: Investing - Help with Personal Investments
Topic: 8.5% for 2016. Can I do better????
Replies: 27
Views: 4741

Re: 8.5% for 2016. Can I do better????

The enemy of a good plan is the thought of a better plan. Your asset allocation looks good, your asset class percentages look good, you hold low cost index funds. The purpose of bonds is to temper portfolio volatility and ensure return of capital, the fund you hold is doing it's job. IMO, you can n...
by rustymutt
Sat Jan 07, 2017 9:46 am
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 5611

Re: Best printers for home use

Brother WIFI printers. I think mine was about $50 or so; does scanning of multiple pages as well, which is a must. I buy generic carts for probably $1-2. Works great, and is compatibly with everything. I buy the super cap toners, and they'll handle up to 8000 copies, before needing replaced/refilled.
by rustymutt
Sat Jan 07, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Best printers for home use
Replies: 67
Views: 5611

Re: Best printers for home use

I've a Brother b/w laser printer, and love it. Can be setup wireless if need be. Been using this print now for 4 years without any issues ever.
by rustymutt
Sat Jan 07, 2017 9:42 am
Forum: Investing - Theory, News & General
Topic: Treasury returns historically almost match corporate bonds?
Replies: 9
Views: 968

Re: Treasury returns historically almost match corporate bonds?

You should check out the book Unconventional Success by David Swensen (who runs the endowment fund for Yale University). He gives some reasons why Treasury bonds should be considered a 'core' asset class, while corporate bonds are 'non-core'. This has been my take on bonds since becoming a buy and ...
by rustymutt
Sat Jan 07, 2017 9:40 am
Forum: Investing - Theory, News & General
Topic: Treasury returns historically almost match corporate bonds?
Replies: 9
Views: 968

Re: Treasury returns historically almost match corporate bonds?

And I'll just add my message. T bills did it with much less risk, for those with balanced portfolios.
by rustymutt
Fri Jan 06, 2017 1:31 pm
Forum: Personal Consumer Issues
Topic: Getting rid of mice
Replies: 94
Views: 5579

Re: Getting rid of mice

I keep a few boxes of Decon setting around in places mice might enjoy. Keep food and seeds picked up and sealed inside cans. Leave snakes alone, as they alone eat there of mice each season.
by rustymutt
Fri Jan 06, 2017 9:51 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 44
Views: 3092

Re: Tell me all about snowblowers

24" Troy Bilt two-stages from Lowes is on its 10th year. Makes a trip to the small engine repair shop once in a while but works great. I like the electric start too. Do you get dirty carbs? The use of Ethanol greatly increases the need for service on these new units. My understanding is water ...
by rustymutt
Fri Jan 06, 2017 9:45 am
Forum: Personal Consumer Issues
Topic: Tell me all about snowblowers
Replies: 44
Views: 3092

Re: Tell me all about snowblowers

I have only owned one snowblower, an unremarkable two-stage 24" Toro. I paid about $500 for it. Like you, I have a small driveway. It's fine. My next one will either be battery powered or will have heated grips. I recommend avoiding the single stage ones. If those are fine where you live, so i...
by rustymutt
Tue Jan 03, 2017 4:23 pm
Forum: Personal Consumer Issues
Topic: Large purchase anxiety!
Replies: 24
Views: 2905

Re: Large purchase anxiety!

Hi Stevie. Have any of the anxieties become reality? Looking back can you remember that some of those intense "yet quite real" anxieties came to conclusion? We all have worries, and anxieties, but just learn to deal with it. Even if some do end in reality, you can't stop living. I wouldn't...
by rustymutt
Mon Jan 02, 2017 10:41 am
Forum: Personal Consumer Issues
Topic: Yellowstone Tours Vs. Self-Guided
Replies: 28
Views: 2420

Re: Yellowstone Tours Vs. Self-Guided

We know for certain that Old Faithful isn't as faithful as it once was, and you may have to wait 2 hours or more to see it go off. I've been there twice, and did my own thing both times.
by rustymutt
Mon Jan 02, 2017 10:36 am
Forum: Investing - Theory, News & General
Topic: Bogle worried Vanguard is getting too big
Replies: 68
Views: 12561

Re: Bogle worried Vanguard is getting too big

Vanguard wait times are horrendous when calling - even with over $1mm invested. I have waited over 20 minutes several times this past year to speak to someone. Seems excessive and my impression is that they're trying to run their organization on a too thin budget. I've experienced that same delays....
by rustymutt
Sun Jan 01, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Resources for a child gifted in math
Replies: 34
Views: 1967

Re: Resources for a child gifted in math

https://www.khanacademy.org/ That's Khan academy, which I myself have self taught math functions, and algebra lessons. I think the internet has many special sites for gifted children. You should check around with your local school administrators, and teachers. Some internet sites are only free to te...
by rustymutt
Sat Dec 31, 2016 12:23 pm
Forum: Personal Consumer Issues
Topic: Audiophiles help me with setup
Replies: 48
Views: 3728

Re: Audiophiles help me with setup

I have unlimited data plan on my smart phone and stream both Amazon.com prime music, and Pandora through it. I believe the sound quality to be excellent with both streams.
by rustymutt
Sat Dec 31, 2016 8:22 am
Forum: Investing - Help with Personal Investments
Topic: Why did dividend yeilds rise so much the 4th quarter?
Replies: 13
Views: 1997

Re: Why did dividend yeilds rise so much the 4th quarter?

AlohaJoe wrote:Every fund pays more in the fourth quarter every year. Just check historical dividends.



Good point made Joe. Props up the marketing of that fund for the next sales season. (next year)
by rustymutt
Sat Dec 31, 2016 8:19 am
Forum: Investing - Help with Personal Investments
Topic: Why did dividend yeilds rise so much the 4th quarter?
Replies: 13
Views: 1997

Re: Why did dividend yeilds rise so much the 4th quarter?

I think were really ready for some inflation, and increasing bond yields. Yield can only go so low, then people won't want to hold those stocks/funds anymore. Reversion to the mean Mr Bogle calls it. It's inevitable, that this happens. But it could be delayed for months, even years. That part of the...
by rustymutt
Sat Dec 31, 2016 8:12 am
Forum: Personal Finance (Not Investing)
Topic: Delayed Gratification In Life & its fallacies
Replies: 56
Views: 6156

Re: Delayed Gratification In Life & its fallacies

Delayed gratification can certainly be taken too far and become harmful, as can unbridled gratification. Moderation, and self control and well worth the time and effort when young and eager. It's a choice we all want to have when we start out in life. Those with self control tend to do better at bu...
by rustymutt
Tue Dec 27, 2016 1:21 pm
Forum: Investing - Theory, News & General
Topic: Remember what it was like before the recession?
Replies: 81
Views: 8799

Re: Remember what it was like before the recession?

At age 60, I got to ask which recession? In jest, but we have had many recessions in my lifetime, and they didn't stop me from getting in on the action, so to speak.

:sharebeer
by rustymutt
Mon Dec 26, 2016 9:05 am
Forum: Investing - Theory, News & General
Topic: 1 to 2 year periods of value or growth dominance
Replies: 26
Views: 1812

Re: 1 to 2 year periods of value or growth dominance

I've always bought into the ideal of value stocks. Yes my portfolio has done well this year, because of that tilt. But now isn't the time to rush out and buy into value. I had it when it wasn't cool. I'll have it in 10 years also. Merry Christmas to all, and to all a good day. So if you were planni...
by rustymutt
Sun Dec 25, 2016 5:11 pm
Forum: Investing - Help with Personal Investments
Topic: Active Funds better than Index Funds for coming Bear Market?
Replies: 27
Views: 2376

Re: "The belief that bear markets favor active management is a myth"

This new Forbes article says that index fund investors should switch over to active funds for the moment, due to a possible bear market coming. And how active funds have outperformed index funds during bear markets. What's your take on this? Any point in switching from index to active? And would it...
by rustymutt
Sun Dec 25, 2016 10:37 am
Forum: Personal Consumer Issues
Topic: Gift To Self
Replies: 70
Views: 8441

Re: Gift To Self

Just did receive my gift on Thursday. A German designed floor stand fan that swings the fan 180 degrees. And has a remote control. Very quiet and comfortable. Merry Christmas to all.
by rustymutt
Sun Dec 25, 2016 10:31 am
Forum: Investing - Theory, News & General
Topic: 1 to 2 year periods of value or growth dominance
Replies: 26
Views: 1812

Re: 1 to 2 year periods of value or growth dominance

I've always bought into the ideal of value stocks. Yes my portfolio has done well this year, because of that tilt. But now isn't the time to rush out and buy into value. I had it when it wasn't cool. I'll have it in 10 years also. Merry Christmas to all, and to all a good day.
by rustymutt
Sun Dec 25, 2016 8:57 am
Forum: Investing - Help with Personal Investments
Topic: Active Funds better than Index Funds for coming Bear Market?
Replies: 27
Views: 2376

Re: Active Funds better than Index Funds for coming Bear Market?

I didn't click through to the article. Did Forbes publish their track record over the last 50-60 years where they successfully predicted imminent bear markets? No, and they won't because they own a horrid track record, just like all of Wall Street. They want churn, and transactions. That's were the...
by rustymutt
Sat Dec 24, 2016 11:29 am
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 2607
Views: 687280

Re: What Movie Have You Recently Watched?

Just watched, "Mr Church" last night. Very good family movie. Top notch flick. I'd recommend it.

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